Business Insurance
Business Insurance is designed to protect the company itself — its assets, its directors, and its ongoing operations — from the financial and legal risks that arise in the course of doing business. Expat Insurance helps businesses in Hong Kong identify exposures and put the right protections in place before issues become costly problems.
Why Business Insurance Matters?
Every business faces risk, whether from operational errors, employee actions, legal claims, or external threats such as cyber incidents. Without proper insurance, a single event can disrupt operations, drain cash reserves, or expose directors and managers to personal liability.
A Business Insurance policy ensures that when something goes wrong — whether expected or unforeseen — your company has financial protection and professional support to manage the impact and continue operating.
What Types of Business Insurance May You Need?
Business Insurance (Assets & Contents) — Protects physical business assets such as laptops, computers, office equipment, furniture, and other contents against loss or damage, similar to home contents insurance but structured for commercial use. LEARN MORE
Employees’ Compensation Insurance — Mandatory in Hong Kong. Covers employees who are injured or become ill in the course of employment, including work-related travel. Claims may include medical costs, salary compensation, and rehabilitation expenses. LEARN MORE
Professional Indemnity Insurance — Protects businesses that provide advice or services against claims of negligence, errors, or omissions. Covers legal defence costs and potential settlements arising from alleged professional mistakes. LEARN MORE
Directors & Officers Liability Insurance — Protects company directors and officers from personal financial loss if they are sued for decisions made in their managerial roles, including legal defence costs and liabilities arising from management actions. LEARN MORE
Business Liability / Commercial General Liability (Combined Insurance) — Covers claims related to bodily injury, property damage, or product-related incidents arising from business operations, helping protect against lawsuits and compensation claims. LEARN MORE
Cyber Insurance — Provides protection against cyber-related risks such as hacking, data breaches, ransomware incidents, and system disruptions, including access to technical experts and operational recovery support. LEARN MORE
Drone Insurance — Covers liability and operational risks arising from the commercial use of drones, including damage to property, injury to third parties, and loss or damage to the drone itself. Drone Insurance is particularly relevant for businesses using drones for surveying, photography, inspections, or other commercial activities. LEARN MORE
Clear Advice. Practical Risk Protection.
Business insurance policies can be complex, and gaps in coverage often only become apparent after a claim occurs. Our role is to help businesses understand their real risks and structure coverage that responds in real-world situations
Risk Identification.
We help identify exposures specific to your business activities and structure coverage accordingly.
Policy Comparison.
We compare insurers and policy wordings to ensure appropriate protection and value.
We Manage Everything.
We assist during claims, liaising with insurers to support resolution and reduce disruption.
Ongoing Review.
As your business evolves, we help review and adjust coverage to remain relevant and effective.
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How Can We Help you?
Business Insurance is about safeguarding what you’ve built. Expat Insurance works with you to put protections in place that support long-term stability, protect leadership, and reduce operational risk.
We Ensure Professional Insurance Services
Need Other Insurance Products?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group
Flexible group plans can help promote well-being for long-term business success, and increased staff retention for your business.
Business Insurance
Protects your company from property damage, liability, and income loss — ensuring long-term stability and business resilience.
Property Insurance
Safeguards your home and lifestyle from fire, theft, or accidental damage, keeping your property secure for your peace of mind secure.
Life Insurance
Provides financial security and peace of mind for your family, helping them stay stable and avoid any further stress if the unexpected occurs.
Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These aren’t rare exceptions — they’re everyday realities in Hong Kong, where a single hospital stay, accident, or unexpected illness can quickly become a financial crisis. The difference between being protected and being exposed often comes down to one thing: having the right policy in place.
